Contractor Type

Let Us Help You Prepare For Anything That Comes Your Way.

No mater what type of contract you are we we have you covered. A lot of companies quickly realize their business insurance needs go beyond basic liability and commercial auto insurance. We will make sure to shop the market to find you the best coverage at lowest price.

Types of Contractors We Insure

What is General Liability Insurance?

General Liability Insurance (GL) is coverage that can protect you from many types of claims including personal injury, property damage, bodily injury and others that can come from your business operations. General liability insurance also can be combined with property insurance in a Business Owners Policy (BOP).

Who Needs General Liability Insurance?

As a small business owner or contractor, you need general liability insurance to protect yourself and business. A single accident could result in a claim may be too big for you to handle alone. A great way to defend against this type of situation is to make sure you have general liability insurance.

General Liability Insurance for Business

If you’re a Business Owner, you might only need general liability insurance and not a Business Owners Policy (BOP). For instance, you might not own any commercial buildings that need property insurance, or need to cover operating costs or payroll. However, you can still be exposed to liability risks in your profession.

Highlights:

Quick & Easy Online Form Or Give us a Call 800-962-0054 and get a Quote from one of our Friendly Agents

What is Workers Compensation

Workers’ Compensation Insurance (Work Comp or WC) is a required type of insurance carried by many businesses. Workers’ Comp insurance covers medical costs and a portion of lost pay for an employee who is injured or becomes ill on the job. Workers’ Comp insurance also defends companies from being sued by employees for workplace environment that can cause an illness or injury.

Who Needs Workers’ Compensation Insurance?

Workers’ Comp Insurance is required by law in most states. Work comp laws are intended to ensure compensation by employers for part of the cost of injuries, or some cases, for work-related illnesses, received by employees in the progress of their work.

About Workers’ Compensation

Workers’ Comp insurance usually only covers illnesses or injuries when they happen as a result of responsibilities performed on the job while working.

Highlights:

Quick & Easy Online Form Or Give us a Call 800-962-0054 and get a Quote from one of our Friendly Agents

License Bonds

License and permit bonds, also known more simply as “license bonds” or “permit bonds,” are a specific type of commercial bonding. Government agencies require business owners in certain industries to purchase these bonds before they can be legally licensed. They protect consumers by guaranteeing businesses adhere to laws and other regulations enforced by federal, state and local government agencies. Learn More

Contract Bonds

Bid Bonds

Bid bonds make sure that contractors submit serious bid proposals. These bonds reassure project developers that bidders have the financial credentials necessary to accept the job. If a bid is selected and the contractor declines the job or retracts the bid, the project developer can make a claim on the bond to recoup the difference between that bid and the next-highest bid. Learn More

Performance Bonds

Performance bonds guarantee that contractors complete projects according to contractual terms. If a contractor fails to do so, the project developer can make a claim on the bond to access funds that can be used to pay a second contractor to finish the job. The Federal Miller Act requires that performance bonds be used on all federally funded projects worth $100,000 or more. Learn More

Business Bonds

Employee Dishonesty

Business service bonds protect consumers from the potential theft that could be committed by company employees who work in clients’ homes or offices. Business service bonds are optional insurance products that are purchased by many different types of businesses, such as:

pest control services

general repair services

pool cleaning services

security/surveillance guards

carpet cleaning companies

locksmiths

painters

moving companies

and much more..

If your employees work in clients’ personal spaces, purchasing a Business Service Bond is an impactful, cost-effective way to promote your company as a credible enterprise that has clients’ best interests in mind. Learn More

General Liability

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Workers Compensation

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Tools & Equipment

Bid bonds make sure that contractors submit serious bid proposals. These bonds reassure project developers that bidders have the financial credentials necessary to accept the job. If a bid is selected and the contractor declines the job or retracts the bid, the project developer can make a claim on the bond to recoup the difference between that bid and the next-highest bid. Learn More

Property Insurance

Performance bonds guarantee that contractors complete projects according to contractual terms. If a contractor fails to do so, the project developer can make a claim on the bond to access funds that can be used to pay a second contractor to finish the job. The Federal Miller Act requires that performance bonds be used on all federally funded projects worth $100,000 or more. Learn More

Commercial Auto Insurance

Business service bonds protect consumers from the potential theft that could be committed by company employees who work in clients’ homes or offices. Business service bonds are optional insurance products that are purchased by many different types of businesses, such as. Learn More

Insurance Forms

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About Us

We provide expert business & contractors insurance to both individual contractors and businesses. With over 20 years of experience we’ll ensure that you’re always getting the best insurance rates from the most professional company in the industry.